Re: Walmart store credit card: research

jsucool76 wrote:My TU when i activated the card (through the free TU08 ) was 655. I had 13 inqs on TU alone and was approved for $500. At the time my highest limit reported was 600, i dont know if it would have made a difference had my cap1 been reported at the time.

Really..... really? If I had a 3k card, and could app before and after and it made no difference... I'd have to give walmart a call.

Re: Walmart store credit card: research

jsucool76 wrote:My TU when i activated the card (through the free TU08 ) was 655. I had 13 inqs on TU alone and was approved for $500. At the time my highest limit reported was 600, i dont know if it would have made a difference had my cap1 been reported at the time.

Really..... really? If I had a 3k card, and could app before and after and it made no difference... I'd have to give walmart a call.

WalMart just started reporting... SW change = NONE. My score, with 3 hard pulls and 2 new TL (Cap1 and WM) is still 577.

Two things you need to pay close attention to with GECRB if you get any of their cards and your scores are low: new negatives on your CR and high utilization.

GECRB is very good about CLI's and your cards will grow quickly if no new negatives appear on your credit report and your utilization is low. About 6 months after getting several GECRB cards, three collections showed up on my report .......5 years after they should have appeared. They will drop off at the 7 year mark in Jan 2013. My utilization has also been very high. All the luv that GE shows every four months - either automatically or requested by me - gone. I've had no credit limit increases since those negatives, and it's been about a year.

However......

My utilization is down, my FICO score is up and yesterday, they approved me for Lowe's card with a 300.00 limit.

Re: Walmart store credit card: research

My score was 607 or lower when i got approved last May...starting CL was $500 and it was auto increased to $900 in less than 3 months.... Next month is my 4th month and will see if i can get an increase again..... I had 5 collections, 4 chargeoffs at the time of approval.. Besides cap one, GE is the only one who would approve me

Did you use you card at all? Or did they give you an increase with no activity?

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